House Emergency? Why Your Insurer Should Be Your First Call

March 2026

Your insurance company might not be the first to come to mind when a pipe has burst or a window is broken.

In fact, research from Allianz, conducted by Red C Research, shows that 48% of those who experienced an emergency called a tradesperson first (for example a plumber or electrician), while only 14% called their home insurer first.  

The research, commissioned by Allianz and conducted by Red C Research amongst 1,043 adults nationwide, also found that only 2% of homeowners/renters were likely to call their home insurance provider when locked out of their home.

Because of that research Allianz takes pride in their Emergency Home Assistance feature for Allianz home insurance customers, which assists homeowners and renters in certain emergency situations. Check out Allianz Home Insurance Help and Support Hub below for frequently asked questions.

An emergency is generally defined as a sudden, unforeseen event that makes your home unsafe, unsecure, or causes primary damage—such as a burst pipe, a total loss of electricity, or a broken external door or window.

Most Allianz policies provide a set number of emergency callouts per year that do not affect your No Claims Bonus, as they are designed to prevent further damage to the property.

It is always best to call the Allianz Emergency Assistance line first. We have a vetted panel of tradespeople and can settle the costs directly with them (up to your policy limit), saving you the out-of-pocket expense.

Yes, Emergency Home Assistance typically covers the cost of a locksmith to gain access to your home and make it secure if you are locked out.

Allianz p.l.c. is regulated by the Central Bank of Ireland. Standard acceptance criteria, terms and conditions apply. *Minimum premium buildings €106.05, contents €86.10, all risks €12.60. 10% off all new Home Insurance policies online. 

Information correct as at 20/03/2026